Davis Trust Company
Elkins, WV · Cert 2453 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Davis Trust Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$274.9MAssets
$224.3MLoans
$204.2MDeposits
$18.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 39% of banks under $1B in assets operating in a single state (rank 457 of 748).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 715 of 752).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.56%
Rank 625 of 752
Net Interest Margin
3.41%
Rank 490 of 752
Efficiency Ratio
77.19%
Rank 587 of 752
Equity / Assets
6.73%
Rank 715 of 752
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 22% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.72% | 1.07% | 1.45% | Beats 17% | 625 / 752 | |
| Return on Equity | 8.32% | 6.78% | 10.58% | 13.65% | Beats 36% | 483 / 752 | |
| Net Interest Margin | 3.41% | 3.18% | 3.69% | 4.17% | Beats 35% | 490 / 752 | |
| Efficiency Ratio | 77.19% | 55.75% | 64.49% | 75.47% | Beats 22% | 587 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.42% | 1.03% | Beats 39% | 457 / 748 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 15% | 638 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 11.98% | 11.55% | 13.75% | 17.60% | Beats 32% | 515 / 752 | |
| Total Risk-Based Capital Ratio | 12.83% | 11.70% | 14.33% | 18.47% | Beats 35% | 492 / 752 | |
| Equity / Assets | 6.73% | 8.93% | 10.56% | 13.13% | Beats 5% | 715 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 109.84% | 62.23% | 78.64% | 91.26% | 96th pctl | 27 / 752 | |
| Loans / Assets | 81.60% | 54.61% | 67.41% | 76.47% | 88th pctl | 89 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |